678 Merit Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 678 Merit Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	5 bd · 3.5 ba · 3,009 sqft · built 2017
Lot Size	0.39 acres (17,024 sqft)
Owner	2 Individual Names on File
Last Sale	$1,378,000 (Oct 2024)
Tax Bill	$18,992 (2025)
Deeds & Mortgages	Feb 2024 Transfer Feb 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-06-03`

Property Details

APN / Parcel Number

Primary APN	`222-173-06-03`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,009 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Lot Area	17,024 sqft (0.39 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	678 MERIT DR
City	SAN MARCOS
State	CA
Zip	92078-1402
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Description	LOT 26 US 184 PER DOC17-0526774&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M 15-0
Legal Tract	016159
Legal Block	4
Legal Lot Number	26
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4001
Census Tract	20044

Owner

678 Merit Dr, a condominium, is owned and occupied by two individuals who bought it in October 2024.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	678 MERIT DR, SAN MARCOS, CA 92078-1402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Intrafamily Transfer, Transfer
Feb 8, 2024	Intrafamily Transfer, Transfer
Dec 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage VP PARTNERS INC VP PARTNERS INC
Nov 26, 2019	Deed of Trust, Mortgage · Conventional with PMI VP PARTNERS INC
Feb 14, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2024 · Amount on File
Deed Sale	Oct 1, 2024 · Amount on File
Prior Sale	Feb 14, 2018 · Amount on File
Deed Document Number	2024264268
Prior Transfer Date	Jul 14, 2023
Prior Transfer Doc	0000033522
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2024
Property Address	678 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000033522
Map Reference	DOC 2017-0526774
Instrument Date	Jul 14, 2023
Instrument	2024-0033522
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	678 MERIT DR, SAN MARCOS, CA 92078-1402

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2024
Property Address	678 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000033559
Map Reference	DOC 2017-0526774
Instrument Date	Jul 14, 2023
Instrument	2024-0033559
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	678 MERIT DR, SAN MARCOS, CA 92078-1402

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	678 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000847693
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	678 MERIT DR SAN MARCOS CA 920781402, SAN MARCOS, CA 92078-1402

Mortgage

Document Number	0000847693
Date	Dec 30, 2020
Instrument	847693

Lender

Name	VP PARTNERS INC VP PARTNERS INC
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	678 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000564434
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	678 MERIT DR SAN MARCOS CA 920781402, SAN MARCOS, CA 92078-1402

Mortgage

Document Number	0000564434
Date	Dec 4, 2019
Instrument	564434

Lender

Name	VP PARTNERS INC
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 14, 2018
Property Address	678 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000059781
Instrument Date	Feb 13, 2018
Instrument	59781
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	678 MERIT DR SAN MARCOS CA 920781402, SAN MARCOS, CA 92078-1402

Mortgage

Document Number	59782
Date	Feb 14, 2018
Instrument	59782

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 678 Merit Dr was $18,992.

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	San Marcos City
Unified School District	San Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,405,560 (+2%) Land $765,000 Building $640,560
2025	$18,992.00	$1,378,000 Land $750,000 Building $628,000
2023	$12,013.00 (+2.1%) Homeowner's exemption	$815,783 Land $360,901 Building $454,882
2022	$11,766.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 678 Merit Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 678 Merit Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VALLECITOS WD serves 114,700 people · EPA ID CA3710002
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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